Acorns helps you grow your money step by step, starting with checking and investing, then adding high-yield savings — all with no balance requirements. Acorns was named a finalist for Best Neobanks of 2026 in GOBankingRates’ annual roundup.
Acorns is a subscription-based all-digital neobank that offers competitive APYs. Customers can learn how to invest for retirement, college education and other savings goals. The Mighty Oak debit card automatically saves and invests money for you. Acorns’ financial learning platform contains tips, articles and videos to help customers build their financial literacy and investing confidence.
GOBankingRates named Acorns a finalist for one of the Best Neobanks of 2026.
Acorns bundles its checking and savings into one account with its Mighty Oak Visa™ debit card. Silver- and Gold-level customers can earn APY on checking and APY on an Acorns Emergency Fund.
Investors pay no transaction fees or hidden costs, but Acorns bundles its financial tools, products and education services into one of three monthly subscription plans. The plans are tailored to each subscriber’s needs.
Acorns puts your investments on autopilot and recommends an investment portfolio to match your financial goals.
You can estimate your investment potential by using Acorns’ compound interest investment calculator on the website.
With Acorns Round-Ups®, you can link all of your debit and credit cards, and Acorns will save the change from every purchase, round up to the next dollar and invest the money once it reaches at least $5.
Your Might Oak Visa debit card is linked to your Round-Ups® investment account. However, there’s no limit to the number of debit or credit cards you can link.
Millions of customers bank, save, invest and learn with Acorns – a testament to the positive experience Acorns provides, and a reason GOBankingRates named Acorns a finalist for Best Neobank in its Best Banks of 2026 rankings.
With so many neobanks competing for your business, selecting the best one can be challenging. Here’s a look at how Acorns compares to three other neobanks that ranked among other finalists for Best Neobanks in GOBankingRates’ Best Banks of 2026 roundup.
The savings component of Betterment’s high yield cash account earns , which is slightly less than you’ll get with an Acorns Emergency Fund. But Betterment’s Cash Reserve and Checking accounts are free unless you want to invest. Investors pay $4 per month, or 0.25% annually.
Whereas Acorns combines banking with investing, Chime* combines banking with a credit building account that helps you build a history of on-time payments. Chime’s savings account earns just APY compared to Acorn’s APY, but Chime accounts are free.
Varo helps you build credit, like Chime, and it also gives cash back on purchases from partner retailers, similar to Acorns’ investment bonuses. But Varo has a cash advance option that can get you up to $500, interest free.
Acorns helps its customers grow their wealth stage by stage. Although it prioritizes investing over emergency savings, you can add savings for an extra $3 per month and receive high yields on both balances. That makes Acorns a good choice for anyone who’s actively saving and looking for a sustainable way to grow their money over time.
Cynthia Measom, Cynthia Bowman, Kathy Evans and Laurel Funk contributed to the reporting for this article.
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